I was born and raised in St. Louis Missouri and am proud to call St. Louis my home. I enjoy golfing, walking, jogging, and reading, and do most of those things with my wonderful wife – Kathleen. Together, my wife and I successfully raised 4 boys who have all completed degrees and are in various stages of building fine careers.

I hold a BS Degree in Business and an MBA Degree in Management. I also have held numerous financial designations, to include my Property & Casualty Insurance Licenses, Health & Life Insurance Licenses, National Association of Securities Dealers Series 6 and 63 Broker Licenses, FLMI – Fellow in the Life Management Institute designation, CLU – Chartered Life Underwriter designation, and the ARA – Associate in Reinsurance Administration designation. I have over thirty years experience in the financial services industry (Auto, Home, Life, Health Insurance, and Investments) to include over twenty years in management and 15 in system development roles. I have been an adjunct professor at several universities for over 12 years and love to teach! I plan to continue teaching as long as I am able!